1 reviews | Active since Sept 2025
Complaint: VCCB & Experian — ***********, law-breaking, must be shut down
To whom it may concern / public record,
My name is Jan Venter, ID ***, email *** , phone ***.
I am utterly fed up. Despite sending 30+ emails to VeriCred Credit Bureau (VCCB) and Experian South Africa, they continue to leave my credit profile broken, inaccurate, and damaging my reputation.
They act like they’re above the law. They dodge real accountability. Other credit bureaus fixed my data quickly; these clowns can’t manage it.
Here are the facts:
VCCB has over 239 customer reviews on HelloPeter complaining about poor service, outdated/inaccurate information, and no meaningful resolution.
Experian similarly has a long trail of consumer complaints about inaction and empty promises.
Both refuse to publish reliable phone contact info for dispute escalation — they hide behind email addresses and give boilerplate responses.
This is ridiculous and unacceptable. Their behavior shows gross incompetence, disregard for consumer rights, and structural failure. They should be held accountable, penalised, or even shut down if they can’t comply with basic legal obligations.
I demand:
They issue me a dispute reference number immediately.
They mask all disputed data immediately pending investigation.
They correct or remove incorrect entries within 20 business days.
They provide me written confirmation of all changes.
If they fail, I will flood the Credit Ombud, the National Credit Regulator, and every consumer rights forum with this case. And I won’t stop until they are exposed and properly sanctioned.
Everyone — do not trust VCCB or Experian until they prove they are worthy.
Regards, Jan Venter ID *** *** ***
And all they ever say lodge a dispute on line that's bull as we need to fix there mistakes , WHY?
You’re supposed to fix your own mistakes, not send consumers in circles while their credit profiles get destroyed. I’ve already lodged multiple disputes — repeatedly — and all I get back is silence or a generic email that leads nowhere. You don’t even bother replying anymore. That says it all. You’re completely overrun with complaints, and it’s clear your staff have no clue what they’re doing. This isn’t just bad service — it’s non-compliance with South African law.
Under Section 72 of the National Credit Act 34 of 2005 and Regulation 20(1)(a), once a dispute is raised, a credit bureau must:
- Investigate within 20 business days;
- Mask all disputed data until resolved; and
- Provide written confirmation of the outcome.
If you can’t comply with basic consumer law, then you have no business operating as a credit bureau in South Africa. Do your job. Stop lying to the public. Fix what you broke. Jan Venter
You’re supposed to fix your own mistakes, not send consumers in circles while their credit profiles get destroyed. I’ve already lodged multiple disputes — repeatedly — and all I get back is silence or a generic email that leads nowhere. You don’t even bother replying anymore. That says it all. You’re completely overrun with complaints, and it’s clear your staff have no clue what they’re doing. This isn’t just bad service — it’s non-compliance with South African law.
Under Section 72 of the National Credit Act 34 of 2005 and Regulation 20(1)(a), once a dispute is raised, a credit bureau must:
- Investigate within 20 business days;
- Mask all disputed data until resolved; and
- Provide written confirmation of the outcome.
If you can’t comply with basic consumer law, then you have no business operating as a credit bureau in South Africa. Do your job. Stop lying to the public. Fix what you broke. Jan Venter
This is no longer a service complaint — it’s an active violation of South African law. Under Section 72 and Regulation 20(1)(a) of the National Credit Act 34 of 2005, once a consumer lodges a dispute, the credit bureau must:
- Investigate within 20 business days,
- Mask all disputed data immediately, and
- Provide written confirmation of the outcome.
Instead, both VCCB and Experian keep recycling the same empty “please lodge your dispute online” message — even after I’ve already done so multiple times. That’s not compliance. That’s deliberate obstruction. Meanwhile, South Africans continue to post hundreds of identical complaints about these same two bureaus. It’s not isolated; it’s systemic non-compliance. What’s worse? The National Credit Regulator (NCR) sits silently while these companies operate unchecked — ignoring statutory deadlines, damaging credit profiles, and hiding behind PR replies. This is a warning to every consumer and regulator watching:
VCCB and Experian are in breach of the National Credit Act. They are not fit to operate as registered credit bureaus. I am now submitting this entire thread, with timestamps and evidence, to:
- The Credit Ombud,
- The National Credit Regulator, and
- Media and legal channels monitoring consumer rights violations.
(Consumer Advocate & Complainant)
This is no longer a service complaint — it’s an active violation of South African law. Under Section 72 and Regulation 20(1)(a) of the National Credit Act 34 of 2005, once a consumer lodges a dispute, the credit bureau must:
- Investigate within 20 business days,
- Mask all disputed data immediately, and
- Provide written confirmation of the outcome.
Instead, both VCCB and Experian keep recycling the same empty “please lodge your dispute online” message — even after I’ve already done so multiple times. That’s not compliance. That’s deliberate obstruction. Meanwhile, South Africans continue to post hundreds of identical complaints about these same two bureaus. It’s not isolated; it’s systemic non-compliance. What’s worse? The National Credit Regulator (NCR) sits silently while these companies operate unchecked — ignoring statutory deadlines, damaging credit profiles, and hiding behind PR replies. This is a warning to every consumer and regulator watching:
VCCB and Experian are in breach of the National Credit Act. They are not fit to operate as registered credit bureaus. I am now submitting this entire thread, with timestamps and evidence, to:
- The Credit Ombud,
- The National Credit Regulator, and
- Media and legal channels monitoring consumer rights violations.
(Consumer Advocate & Complainant)